Alternative payment methods - Klarna/clearpay

Topic summary

A merchant inquired about adding Klarna or Clearpay as alternative payment methods and whether Shopify would charge transaction fees when customers use these options, given that funds go directly to their bank account.

Key clarifications provided:

  • Transaction fees apply to all third-party payment gateways, even when Shopify Payments is already activated
  • Using Klarna or similar services alongside Shopify Payments does not exempt the merchant from these fees

Fee avoidance options:

  • Use only Shopify Payments (no third-party gateways)
  • Offer manual payment methods (e.g., bank transfers, cash on delivery)

The discussion concluded with the merchant acknowledging the information, indicating their question was resolved.

Summarized with AI on November 2. AI used: claude-sonnet-4-5-20250929.

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